M Leonard & Associates

Who is M Leonard & Associates?

M Leonard & Associates is a third-party debt collection agency based in Van Nuys, California. They work with businesses to assist in recovering funds from outstanding debts that are past due.

If you have unpaid debts, they may be sold or transferred to M Leonard & Associates for collection. Consequently, they may appear on your credit report as a collections account.

Who does M Leonard & Associates collect for?

M Leonard & Associates provides debt collection services for a variety of original creditors. This could involve various types of consumer debts, including credit cards, medical bills, personal loans, or other types of consumer debt. If you owe money to a business or organization that uses M Leonard & Associates’ services, you may end up being contacted by this agency.

Is M Leonard & Associates legit or a scam?

M Leonard & Associates is a legitimate company. However, their attempts to recover unpaid debts may involve persistent contact methods, including frequent phone calls, texts, or emails. While these practices can be annoying, they are generally within the bounds of the law, provided they adhere to FDCPA rules.

How can I remove M Leonard & Associates from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years, regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

M Leonard & Associates Contact Information

Address:

M Leonard & Associates
14520 Erwin St.
Van Nuys, CA 91411

Mailing address:

M Leonard & Associates
PO Box 2339
Van Nuys, CA 91404

Phone number: (818) 908-8500 or (800) 346-6200

Should I contact or pay M Leonard & Associates?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with M Leonard & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like M Leonard & Associates on behalf of their clients.

Will M Leonard & Associates sue me or garnish my wages?

M Leonard & Associates is entitled to sue you for an unpaid debt. If they win the lawsuit, they can obtain a judgment from the court which could potentially allow them to garnish your wages or levy your bank account, subject to the laws of your state.

However, wage garnishment is often a last resort in the debt collection process and isn’t used in all cases. Before it gets to that point, you’ll likely receive several communications from M Leonard & Associates attempting to collect the debt.

M Leonard & Associates Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with M Leonard & Associates

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• It is a violation of federal law for M Leonard & Associates to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• M Leonard & Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• M Leonard & Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• M Leonard & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove M Leonard & Associates From Your Credit Report Today!

Credit Saint can assist you in disputing M Leonard & Associates collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.